The Finance Algorithm
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Business One - Negotiator Plan

An integrated business product designed to meet all your cash flow requirements. The negotiator plan has certain qualifying criteria and is only available to relationship managed customers.

Savings & transaction accountsBank updated 28 Oct 2026

At a glance

Pricing
Rates on application
Monthly fee
$0
Westpac Business Debit

Fees

13 fees published, grouped by when they're charged.

While you hold it1

  • Account Keeping Fee

    There is no Monthly Plan Fee for this product.

    No fee

When you make a transaction10

  • Cheques Collected / Deposited

    Price on application

    Varies
  • Self-Service (Electronic) Deposits

    Price on application

    Varies
  • Staff-Assisted Deposit

    Price on application

    Varies
  • Periodical Payments

    Price on application

    Varies
  • Cheques Written

    Price on application

    Varies
  • Foreign Transaction Fee - AU merchant

    2.2% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located in Australia (comprising of 2% Westpac Proc…

    2.20% of transaction
  • Foreign Transaction Fee - non-AU merchant

    3% of the $AUD transaction amount where a transaction is made in foreign currency and the merchant or financial institution accepting the card is located outside Australia (comprising of 2% Westpac P…

    3.00% of transaction
  • Overseas Withdrawal Fee
    $5
  • Self-Service (Electronic) Withdrawals

    Price on application

    Varies
  • Staff-Assisted Withdrawal

    Price on application

    Varies

When particular things happen2

  • Group Telephone Banking

    Nil for cash withdrawals from ATMs belonging to institutions in the Global ATM Alliance.

    No fee
  • Online Banking
    No fee

Features

Digital bankingFraud protectionRelationship managerOverdraft
  • Interest rates are available on application.
  • Following fees to be known on application (Transaction Fees when charge per transaction when the number of free transactions per month is exceeded): Cheques Written, Cheques Collected, Staff-assisted…
  • Interest paid on monthly basis.
  • With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account.
  • Your company will get a regular statements of the account
  • Your company/business can make Periodical Payments from this account
  • Cheque book access is not available for new accounts opened on or after 19 May 2025. For accounts opened before 19 May 2025, customers can order a cheque book by calling us.
  • Account enquiries are always free when you use Online Banking.

Eligibility and limits

  • Minimum age 18
  • Business Customers only who are relationship managed.

Published by Westpac under the Consumer Data Right, last changed by them on 28 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.